HR Questions Every Small Business Owner Must Answer

As part of an ongoing series, Mind Your Business is sitting down with COSE Investor Level Members to get to know more about the issues facing their businesses. Today’s Q-and-A is with Cheryl Perez, president and managing partner of BIG-HR.

Navigating the ins and outs of HR issues can be challenging for many companies, but perhaps particularly so for smaller enterprises. Whether it’s understanding what you need to know before terminating an employee or untangling everything that goes into I-9 rules, there’s a lot to get up to speed on. We sat down recently with Cheryl Perez, president and managing partner of BIG-HR and a COSE Investor Level Member, to understand some of the most important questions every small business owner must be able to answer. Here’s what she had to say:

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    MYB: How would small business owners know when (and if) they can terminate someone?

    Perez: Of course, one of the most frequently asked questions I receive whenever I am speaking with a small employer is: When can I terminate this person? Usually by the time I have received this question the employee has become so much of a problem that the employer can no longer even justify why keeping him or her on staff is critical. The best way for me to answer this question is really, unfortunately, with a question. And that question is: Where is the employee in achieving the action plan that you set during his or her most recent disciplinary or performance review conversation?


    You see, whether you can terminate someone depends upon the proactive nature of your disciplinary and performance review processes. The most critical piece of supporting termination is documentation, and usually if someone has been doing a good job at documenting poor performance issues then it is clear to all parties involved when that termination is going to take place. The action plan that you set forth, in your most recent conversation regarding the behavior, is what sets the deadline for termination. Your action plan should be specific and say something like: In 30 days if we do not see improvement we know we will part ways. The main problem I see in getting this question is that there usually has been no prior disciplinary or performance review process in place that limits the employer’s ability to terminate. You know when you can terminate someone based upon the expectations you have set along the way. You may be in a no-fault state, but no fault does not equal no potential for wrongful termination suits.

    MYB: What about breaks and lunches? Does a small business owner have to pay for those, or provide them?

    Perez: In short, the answer to this question is: It depends. Each state will confirm how many hours an employee must work before breaks and lunches must be provided, and it will also determine how long those breaks and lunches must be depending upon employee age. Typically, if you are providing breaks and lunches for an employee they are paid but, again, it just depends upon the employee status and what your state regulates. For instance, Ohio labor laws require employers to provide employees under the age of 18 a 30-minute uninterrupted break (unpaid) when working more than five consecutive hours. Ohio does not require employers to provide breaks, including lunch breaks, for workers 18 years of age or older.

    MYB: What’s the best way to handle I-9 regulations?

    Perez: Most employers during the course of hiring an employee collect an I-9 form to verify citizenship or authorization to work in the United States from a new hire. Without really knowing what to collect and what dates to use an employer can be putting themselves at risk based upon the time the I-9 form is collected, the date that the information is verified by the employer, and the signatures that are located on the documents as it relates to the hire date listed. It is critical that employers understand and know when they are collecting an I-9 form from an employee what could make the I-9 form invalid or require that the employer collect a new I-9 form once the old form expires. The I-9 form contains two major sections (sometimes three), with the employee needing to complete section 1 and the employer needing to verify and complete section 2. Section 3 is completed when an employer is rehiring a previous employee.

    The biggest piece of missing information that employers don't realize is that section 2 must be completed and verified within three business days of the date of hire listed on the form; otherwise your form is incorrect. Employers must retain I-9s for the later of three years from the date of hire or one year after the date employment ends. From time to time, the federal government may examine your employment records. If you fail to produce I-9s, you can be subject to civil and/or criminal penalties.

    MYB: Are 1099 contractors considered W-2 employees?

    Perez: 1099 versus W-2 is really related to the tax classification of a subcontractor or employee of an organization. The status refers to whether an employer should be taking out and paying taxes on behalf of the employee. If you are a 1099 subcontractor, the answer is no, the employer will not withhold taxes nor match them and you will be responsible for paying taxes on your own. If you are a W-2 employee your employer will withhold taxes from your paycheck and pay their portion for your employment. It is estimated that a high percentage of 1099 contractors are misclassified on an annual basis. If this misclassification applies then the employer is subject to severe penalties when, and if, an audit is performed.

    The best way to determine whether someone is a W-2 or a 1099 depends upon their treatment by the employer. With a W-2 certain things will be specific such as a schedule will be determined, training will be provided, equipment will be given, and expectations will be set (as well as other specifications). With a 1099 a project/task is usually contracted with very little to no direction, no training, and no equipment provided.

    MYB: And now for some shameless self-promotion: How have COSE events helped your business grow?

    Perez: I just love the organization and the opportunities. It’s chock-full of education. I make friendships with the networking events. And I also learn something every single time I attend an event or speak with someone because it’s full of small business owners just like myself going through the same stuff every single day. I make great friends, great clients and there are great networking opportunities, so I’d like to say thanks COSE!

    Cheryl Perez is president and managing partner of BIG-HR, which focuses on HR consulting and outsourcing. You can learn more about the company by clicking here. And you can also learn more about the benefits of being a COSE Member by clicking here. Or, contact our Membership Team directly via email at or by phone at 216-592-2355.

    Next up: If You’re Not Performing a SBU Analysis, You’re Holding Your Business Back

    If You’re Not Performing a SBU Analysis, You’re Holding Your Business Back

    Every business—even small businesses—are complex organizations with multiple business units layered inside. These are called Strategic Business Units.  SBUs have their own markets, products/services and pricing structures.

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    For instance, a painting company could count as its customers:

    • residential
    • office
    • apartment building clients

    This is an example of one company having different strategic business units (SBUs) embedded in its corporate structure.

    In the above example, let’s say that residential accounts for 80% of this company’s revenue; office comprises 15%; and apartment represents 5%. Would it make sense for this painting company to treat each of these silos the same? If you answered “yes”, then you could probably consider enrolling in the COSE Strategic Planning Course, which delves deep into the magic of SBU analysis.

    Can’t wait for the Strategic Planning Course and want a little SBU insight right now? As a former graduate of the course, I’m happy to oblige. Here are my thoughts on the benefits a thorough SBU analysis can have on your business, and they happen to revolve around the way you’re currently looking at your company’s financial reports.

    The traditional income statement doesn’t tell the whole story

    You’re likely used to relying on your income statement to give you a sense of how your business is performing. The problem is, this statement doesn’t provide you a detailed look at where you’re making—or losing—money because it doesn’t dive into a detailed examination of the profitability of customer groups and product/service groups. Accounting systems that lump all sales onto a single line won’t give you any insight at all into the individual services and products you’re selling. Similarly, that same bundling of labor and/or material costs doesn’t help you figure out the real costs and benefits of a given product/service.

    A SBU analysis, on the other hand, can help you dig into the profitability of each of your SBUs and give insight into which businesses you should think about growing, or, perhaps, divesting. It helps you figure out where you’re making money and how to effectively revenue manage your product or service to best take advantage of this profitability. Different matches of products/services, priced incorrectly, can lead to underperformance.

    This, of course, is just scratching the surface of both SBU analysis and is just one example of the many lessons you’ll learn from COSE’s Strategic Planning Course. Again, I am a satisfied former graduate of the course and would be happy to answer any questions you might have about it. Please feel free to email me at if you have any questions about how the course can help you grow your business.

    Bob Dianetti is the owner of Team Dianetti, a professional business coaching and training organization with offices in Hudson and Akron. Reach him via phone at (234) 284-2333. 

    Next up: Lesson Learned: Make the Business Stand on Its Own

    Lesson Learned: Make the Business Stand on Its Own

    The latest piece of our “Lesson Learned” series has to do with the actions a small business owner should take to ensure her or his business is able to stand on its own.

    The COSE Strategic Planning Course offers small business owners invaluable advice on a range of subjects to help them grow their business. We asked some recent graduates of the program what their takeaways from the course were and during the next several weeks, we’ll be relating to you their insights. Today’s “lesson learned” comes from Tony Skerski of Transaction Realty, who talked about what entrepreneurs need to do to ensure their business can stand on its own.

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    Q: Looking back at all the lessons you learned during the COSE Strategic Planning Course, can you pinpoint some things you have or plan to implement in your business?

    Tony Skerski of Transaction Realty


    Well one of the most important things I found from the class is I have to take myself out of the biz to make it an actual viable business to make it stand on its own.

    I can put procedures in place so that everyone throughout the company can do any of the jobs, and that will make the company be more sellable. And speaking of staffing, I also need to make sure I hire the right people and not train the wrong people.

    Some advice I would give other people who work in small businesses is that the old way of marketing your business is not the way of the future. You have to be giving content and that will give you the most marketing punch for your money.

    More COSE Strategic Planning Course takeaways

    Looking for more insight into the valuable lessons business owners learn while enrolled in the COSE Strategic Planning Course? Check out the other pieces of our “Lesson Learned” series

    Lesson Learned: Have an Exit Strategy

    Lesson Learned: Don’t Do It All Yourself

    Learn more about the COSE Strategic Planning Course

    Next up: Lessons for Small Businesses from the Cavaliers

    Lessons for Small Businesses from the Cavaliers

    Your small business can learn several lessons from this year’s Cavs team and the experiences they’ve gone through this season. So read on, and let’s go Cavs!

    This year’s Cleveland Cavaliers look very familiar. Just like the last three years, they’ve made the NBA Finals. They have the same head coach in Ty Lue and the same leader in LeBron James. They are also playing the same team—the Golden State Warriors.   

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    Yes, these are all a constant to every Cavs fans. But this isn’t the familiarity I am talking about.   What I’m talking about is how this year’s team resembles many small businesses, including my own. As I watched the season unfold, I kept thinking to myself how I can relate to the ups and downs the team experienced and how they persevered to make it to where they are today.  


    This year’s Cavs provide a number of lessons on team dynamics, competition and leadership that are relevant to today’s small business. Here are the top three lessons we’ve learned from this year’s Cleveland Cavaliers.

    Lesson No. 1: Building team chemistry is critical to optimal performance.

    This year’s team has eight new players when compared to last year’s NBA Finals team (this doesn’t include four more players that came and went this year: Dwayne Wade, Derrick Rose, Isaiah Thomas and Jae Crowder).

    With so many new faces at the beginning of the year and a set of trades in the middle of the year, the Cavs had trouble winning, at one point losing 14 of 20 games—something you rarely see from a LeBron-led team. Even though the Cavs made the finals, it is clear to see how team turnover has created challenges in performance and culture.

    Just like in basketball, our businesses thrive when we have a consistent team that gets along and cares about “winning.” Sometimes change is good. However, losing highly-skilled people (Kyrie Irving) or good character people can really have an impact on team performance.   

    Small business owners really have to be creative and intentional in creating an environment that reduces turnover. This could include building in team engagement activities or taking an active role in employee development.   

    Lesson No. 2: Continuous innovation and improvement are the best ways to beat the competition.

    Over the last eight years, the Eastern Conference has tried to stop LeBron James—with little luck. However, as we saw this year, teams such as the Indiana Pacers and Boston Celtics got very close to knocking off the Cavs. Other teams such as Philadelphia and Milwaukee are considered up-and-coming young and talented teams. The Cavs struggled in the middle part of the year and decided to make some drastic trades to revamp and reenergize the team. While the results are mixed so far, it should not be lost that the Cavs are committed to doing what it takes to compete now and in the future.  

    In business, the competition is not going away. Just like you, they are looking to “win” new business. The competition is increasing their investment in sales and marketing, developing new ways of doing business and hiring talented people. It is important to keep an eye on trends in your industry as well as what your competition is doing. Take action to make sure your business is relevant for your customers and innovative in its products and/or services.

    Lesson No. 3: Strong leadership can overcome.  

    For the Cavs, the unquestioned leader is LeBron James. He is not only the best player on the planet, but also the MVP every single year (or should be). There is a reason that, through changing teammates and management, LeBron’s teams have managed to make it to eight straight NBA Finals. LeBron’s core values center around leading by example, putting his teammates in a position to be successful and winning.  

    For many small businesses, the buck stops with the owner. A small business owner may be responsible for sales, financials, human resources, operations and strategy. But above all, an owner is responsible for leading his or her team.  

    As a small business leader, it is important to make sure that through the ups and downs of your business, you are able to exude confidence, provide leadership and mentorship to your team, and stay focused on achieving the goals you’ve set for your business.

    Nevin Bansal is the president and CEO of Outreach Promotional Solutions.

    Next up: Life Hacks: 12 Easy Ways to Master Your To-Do List, Find Time and Simplify Your Life

    Life Hacks: 12 Easy Ways to Master Your To-Do List, Find Time and Simplify Your Life

    From simplifying your inbox to making your nightly routine as efficient as possible, here are a dozen life hacks that will add time back to your day.

    I am sitting on a flight home right now, writing this article, and I can’t help but wonder what my fellow passengers are doing. Some are sleeping, others are watching TV and a few are typing away on their computers like me. I just noticed the guy working on his laptop across the aisle from me has about 32,000 emails in his inbox. At least he’s working on the flight, I’ll give him credit for that, but I could really help him get control of his overflowing inbox. 

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    In this article, I’ll talk about ways to keep yourself organized, so you can find more hours in the day and leave more time in your life for what truly matters most to you. I’ll show you how I use Outlook to master my to-do list, how I have created daily routines that open up more “found time” in my busy days, and finally ways I keep things simple in a complicated world.    

    I consider travel time to be found time and airplanes are the last bastion of peace on our planet. On flights, my phone doesn’t work, so I’m not constantly getting pinged. I like to put on my headphones and do my “thinking work.” It’s a few uninterrupted hours where I can really focus. During the week, I’m hopelessly trying to multi-task, return phone calls, and running between meetings. Planes are my only time for writing articles and crafting thoughtful responses to complex emails. 


    Travel time allows me to complete tasks so I can enjoy other times in my week. I’m busy just like everyone else. I own two businesses, travel at least twice a month, my wife is a full-time professional, and we have two young girls (Caroline and Anne Penney, six and four years old). If I get my work done while I’m flying then when I get home I can be present for my kids. If you ever happen to see me on a flight, you’ll know exactly what I’m doing because I’m about to tell you. 

    Let’s talk about my to-do list first.


    Become one with your email

    I use Outlook as my to-do list and I have spent years perfecting my systems. Some people use handwritten lists, or day-planners, or other email programs, but Outlook works well for me. I am self-diagnosed as having a condition known as E.A.D. (email anxiety disorder). This disease is marked by the relentless pursuit of “inbox zero”; the highly sought after condition where one’s email inbox is completely clear. 

    Let’s turn our attention to some real world apps that I use to amplify Outlook’s natural abilities:

    1. is a Web-based service (works with any email program) and it filters your email before it arrives in your inbox. It uses artificial intelligence to move your receipts and newsletters into a separate folder called “SaneLater” which gathers all your unimportant emails so you can focus on the most important emails. Once a week, you can open up your SaneLater folder and review the emails, which almost never need follow-up. Sanebox prevents me from being pinged constantly by unimportant emails and thusly returns sanity to my inbox. 

    2. is a great email plug-in because with one click in Outlook, I can defer an email until a later date. ClearContext removes deferred email from my inbox and then returns them on the chosen date.  There are several reasons this is helpful:

    • Remembering important stuff. If I need to remember to get something done this weekend, I defer the email to Saturday. I know I could use reminders and to do’s but nothing gets my attention more than a fresh email at the top of my inbox.
    • Holding people accountable. If you email me and promise you’ll get something done by Aug. 22, I simply take your email and defer it until Aug. 22 and it automatically reminds me to check in on the project.  People I work with always wonder how I seem to remember everything. Hopefully none of those people ever read this article and learn my secret!

    3.  MailMyself is an app that I keep on the home screen of my phone. When I touch it, it opens up a blank text field, and whatever I type becomes the subject line of an email to me. Whenever I have a thought or an item to get done that I don’t want to forget, it makes it very easy for me to quickly create a “to-do.”

    4.  YouMail is another app that I love because it listens to all of my voicemails, transcribes the audio (humans do the transcribing, which is why I prefer YouMail to using the iPhone’s built in voicemail transcriber; it’s more accurate), and the text is emailed to me. I no longer have to waste time listening to voicemails and I never forget to call people back because there is an email reminder in my inbox.     

    As long as I run through my inbox at the beginning and end of each day, I know all of the really important to-do’s in my life will get done. I have one place that I store all of my tasks, calls, and notes, which means nothing falls thru the cracks.

    Play hide and seek with time and win

    Now, let’s discuss practical tips I’ve implemented to simplify my life and find more time every day. These ideas might not work for you, but I am hoping you can try to adapt some of them to your own life.

    1.  Create routines. When I get home each day, I have a routine. There is a specific place for my keys and wallet (hook and bowl by the door). Then, I always open up the mail and packages, take the papers out of my bag (notes I’ve reviewed, bills I’ve paid) and I file them away. 

    2.  Go Paperless. I mercilessly throw away any paper I don’t need.  The goal is to keep as little paper as possible. Often, I will scan it (buy a Fujitsu Scansnap and it will change your scanning life. I know it’s $400 for something that your multifunction printer probably does, but it does it so much better it’s worth the investment). 

    3.  Get Organized at Night. Each evening, I spend a few minutes making sure my bag has everything in it I need for the next day so I can “shut it down” for the night, enjoy my family, and wake up the next morning ready to work without spending time in the morning getting organized. For more on creating your own routine and getting organized, I highly recommend reading: “The Life-Changing Magic of Tidying Up” by Marie Kondo. 

    4.  Get up an Hour Earlier. I wake up at 5 a.m. as often as I can during the week and get my day started early. I use that precious extra hour in the morning for thinking work because research shows the peak time for our brains is shortly after we wake up.

    5.  Shopping Ninjas. The only stores my wife and I enjoy going to in person are home improvement stores (Home Depot just smells so good), clothing stores (it’s too hard to buy clothes that fit well online), and toy stores (it’s worth it to see the looks on our kid’s faces when they get a new toy in person).  For everything else, we use Amazon to automate our purchasing. Amazon makes it possible to set up all the recurring items we need (i.e., paper towels and coffee) for automatic monthly delivery.

    6.  Grocery Shopping. Growing up, we went to the grocery store once (sometimes twice) a day. I’ve now gotten it down to once every two weeks! I know this shopping behavior is unusual because we always get comments at the register about the large size of our orders.  (Note: I tried stretching it to one grocery visit a month, but we ran out of fresh fruits, vegetables and milk by mid-month and got tired of eating dry cereal and frozen vegetables!)

    7.  Simplify Your Wardrobe. In the mornings, I used to spend a lot of time picking out my clothes for the day. Then I discovered pants by Bonobos called “Weekday Warriors.” With the days of the week stitched into the waistband, I no longer have to spend time deciding which pants to put on in the mornings! 

    Plan Your Life or Life Will Be Planned For You

    My wife and I decided a long time ago it’s important to enjoy our downtime, so we’ve worked hard to craft our lives accordingly. The decisions we’ve made in planning our life together are really enough to fill another entire article (foreshadowing?), but I want to share one of the most impactful ideas in our life plan with you while we’re on the subject of creating more hours every day. 

    Live Smaller. We’re not sold on the tiny house movement, but my wife and I have chosen to live in a moderately sized house (2,500 square feet) so we can afford luxuries such as a housekeeper and a lawn service once a week. We used to spend at least two to four hours a week cutting the grass and cleaning the house (neither are favorite chores of ours) and now we spend those hours exercising (can’t hire somebody to do workout for you), getting to know our kids better, and drinking good wine.

    Hopefully, you’ve picked up an idea that will allow you to enjoy more time with your family or to spend more time perfecting your preferred hobby. Send me an email with your best life hacks and maybe I can share them in a future article or speaking engagement. I’m always looking for ways to improve my skills and find more time in my days. After all, the more efficient that I can be with work by leveraging technology and better organizational habits, the more time I can spend enjoying the fruits of my labor and isn’t that what this article is really all about!

    Jonathan Slain works with business owners and their executive teams to get control of their lives. For a FREE meeting to discuss your business, he can be reached at or 216-870-4219.

    Next up: Lost that Loving Feeling? Bring the Joy Back to Your Business

    Lost that Loving Feeling? Bring the Joy Back to Your Business

    This might be the most important business advice you ever get: Learn to rekindle the love affair with your business.

    As kids, one word described most of our childhood daydreams: adventure. We’d spend hours hunting treasure and fighting baddies like Indiana Jones or solving neighborhood mysteries like Nancy Drew. We’d let our imaginations run wild and free as we satisfied that inexplicable craving for excitement.

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    As we grew older, our fantasies began to align with reality as we sought our thrills elsewhere: swimming with sharks or diving from planes, traveling the world or riding Harleys … maybe even signing up for Tinder. We didn’t necessarily need to do something dangerous or risky; we just needed to do something that quickened our pulses—something that made us feel alive.

    Starting your own business was probably one of your most captivating adventures. Think back about your company’s birth, how you stoked that fire within until the blaze burned so brightly that it couldn’t be extinguished. Remember waking in the middle of the night, heart a-flutter about what the next day would hold, creeping from your bed, and frantically scribbling down notes underneath the bathroom night light.


    As you built your business, the endeavor rarely left your mind—you were connected to it; you were passionate about it; you nurtured it and wondered if you could ever be happier than you are right now.

    But, life got even better when your business started to succeed. Sales rolled in, confirming that what you were doing was right and true. Months turned into years; you hired more people and your company was doing better than you even envisioned. 

    Success does not always equal happiness

    As time progressed, however, something bizarre occurred. The dreaded “Paradox of Progress” arrived: Although you were experiencing more “success,” you found yourself entangled with more responsibility and more work. For the first time, unease, instead of adrenaline, started to pulse through your veins.

    You began making decisions that didn’t quite align with what you really wanted to do or thought was best for your business. You justified the choices because you wanted your employees to be happy. After all, you now had people depending on you to feed their families—and you’re fiercely loyal when it comes to helping others. You became more involved with the day-to-day workload and operations, convincing yourself this was part of the baggage that comes with owning a successful business and that your spouse and children appreciated your sacrifice—even though you were no longer seeing them as often as you wanted.

    A few more weeks passed and embarrassment started haunting your private thoughts: “I’m working more than ever before. Did I make a mistake?” You’re ashamed that you’re even entertaining such ideas. “Pff. I own my own company. I make lots of money. Of course I’m happy,” you repeated, over and over, hoping the words would provide some type of salve. But, you can’t ignore the fear that your business has become more of a burden than blessing. 

    Now here you are: Your 3 a.m. wake-ups are no longer instigated by joy but dread. You know that you need to make a change, but you don’t even know where to begin because you don’t want to upset anybody and you’re worried about what might happen to the company. So, you forge ahead on a journey toward your new destination: mediocrity. 

    This narrative might seem melodramatic to some, but many successful business owners feel this way during some point of the organization’s life cycle. Sometimes, we don’t even recognize it happening until we’re right in the middle of our descent. 

    You are the solution

    Thankfully, this challenge doesn’t need to cripple our movements, and the solution is found in one word: you.

    If you want to reclaim (or increase) joy in your business endeavor, you need to realize that your business is all about you. No, it’s not selfish, hubristic or narcissistic to acknowledge that truth. You deserve to get what you want out of your business. Perhaps this following analogy will help illustrate what I mean.

    I used to be a high school English teacher. When I was going through my student teaching experience at Lincoln West High School, let’s just say the environment provided a cornucopia of growth opportunities for a young teacher. 

    I was really struggling with certain aspects of teaching and found myself trying to cater to the individual needs of 100-plus people across all different ages. After all, I wanted to serve and I thought true service meant sacrificing what I truly wanted to accomplish. That ideology carried a hefty price tag—most notably throwing up every morning before school because of stress and a misguided notion that I just wasn’t doing enough.

    At just the right time, I had a conversation with my university supervisor that proved to be my deliverance. Realizing I was in the middle of a tailspin, she asked me this question: “Chris, who’s the most important person in that room?” I remember the boyish arrogance dripping from my voice as I retorted, “Come on, how can you even ask me that?  Everybody’s equally important.” 

    She smiled, patted me on the shoulder, and said, “You’re wrong. You are number one. I don’t care what you hear in any educational philosophy classroom—you are the most important person in that room.”

    I scrunched my face in disgust as she continued: “Think about it. Yes, while all the lives are valuable, your role is, by far, the most important. You’re like an airline pilot or a ship captain. This classroom is your vehicle. You know where you want to go. You know how to get there. You know what needs to be done. Get there. Students will follow you. People will align with you and will feed off your vision. Just make it clear and go. You cannot compromise with what you want to do. Otherwise, you’ll be miserable, and your students will suffer, too.”  

    I remember shedding instant tears of gratitude for her priceless insight and advice. To this day, those words constitute some of the best leadership advice I’ve ever received, and they’re absolutely applicable to your role as a business owner. Your ship is your ship. You just have to be brave enough to guide it where you want to go.

    The sooner you can identify and clarify what it is you truly want from your business on a personal and professional level, the faster you’ll be able to escape the swamp of stagnation and move forward with your adventure. And today is as good a day as any to embark on that journey.

    Christopher Leo is the President and CEO of Flash Three Consultants. A former English teacher, newspaper editor and football coach, Chris is committed to helping business owners get what they truly want from their personal and professional lives. Visit or email him ( for additional information.